Gnosis Pay - Standard CardvsWirex - Standard Card
A metric-by-metric comparison based on published fees and limits. “Best” means the lowest cost or highest reward in that row — not an editorial endorsement.
| Metric |  Gnosis Safe / Monerium 6.4/10 Get card |  Wirex 6.0/10 Get card |
|---|---|---|
| Verdict | ||
| Editor scoreComposite of fees, rewards, transparency and user sentiment | Best 6.4/10 | 6.0/10 |
| Costs | ||
| Annual fee | $30.23 | Best None |
| FX fee | 0% | 0% |
| Crypto top-up | 0% | 0% |
| Issuance fee | $33 | Best Free |
| ATM fee | 2% | 2% |
| Rewards | ||
| Max cashback | Best 1%–4% cashback | 0.5% cashback |
| Payout token | GNO | WXT |
| Staking | $0 | $0 |
| Perks | Apple & Google Pay · 0% FX & 0% Gas · Personal On-Chain IBAN | 0% FX in 40+ currencies · Up to 2% WXT rewards · Crypto and fiat in one account |
| Access | ||
| KYCNo KYC scored highest, then light KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Countries | 33 (EEA, UK & Brazil (33+ countries)) | Best 41 (EEA, UK & 30+ markets) |
| Max daily spend | $8,500 | Best $15,000 |
| Monthly ATM limit | Best $15,000 | $800 |
| Mobile wallets | Apple Google | Apple Google |
| Networks | Gnosis, Ethereum | Best Ethereum, Stellar, Polygon, Bitcoin |
| Top-up tokens | EURe, USDC, ETH | Best BTC, ETH, USDT, USDC, XRP +1 |
| Issuer | Gnosis Safe / Monerium | Wirex |
| Network | Visa | Visa |
The quick verdict
Gnosis Pay - Standard Card pays the highest headline cashback at 4%, but check the staking requirement: $0.
Gnosis Pay - Standard Card is the cheaper travel card at 0% FX, while Wirex - Standard Card wins on annual cost at $0.
Both cards are available in 33 and 41 countries respectively. If your country is not on one of those lists, the choice is already made for you.
- True on-chain Safe smart contract self-custody with personal EUR/GBP IBAN
- 0% FX fees, 0% transaction fees and 0% gas
- 0% FX across 40+ currencies
- Supports both crypto and fiat balances
Gnosis Pay - Standard Card vs Wirex - Standard Card — FAQ
Which is better, Gnosis Pay - Standard Card or Wirex - Standard Card?+
Gnosis Pay - Standard Card has the higher editor score. Gnosis Pay - Standard Card pays 1%–4% cashback with 0% FX, while Wirex - Standard Card pays 0.5% cashback with 0% FX. The right choice depends on whether you value cashback, low FX, self-custody or country availability more.
Which card has lower fees, Gnosis Pay - Standard Card or Wirex - Standard Card?+
Gnosis Pay - Standard Card has a $30.23 annual fee, 0% top-up fee and 0% FX. Wirex - Standard Card has a no annual fee annual fee, 0% top-up fee and 0% FX. The winner depends on your spend currency and funding token; run the net return calculator for your own numbers.
Can I use Gnosis Pay - Standard Card and Wirex - Standard Card together?+
Yes, in most jurisdictions there is no restriction on holding multiple crypto cards. A common setup is using the lowest-FX card for travel and the highest-cashback card for domestic or online spend.